Better rates than the big five

Because we’re a member-owned organisation, our goal is to give back as much as possible. This is why our savings accounts have better rates than big banks.

Get more for your money

Christmas club

Get a $20 New World voucher if you open a Christmas club account account before 26 Feb 2021.

Saving for children

Earn $100 for your child or grandchild if you open an Achiever Saver or Bonus Saver account before their first birthday.

Future savers

Designed to teach young people good money management. Earn bonus interest if you deposit $20 per month and make no withdrawals.

Ways to bank

Internet banking

Access your money anytime, anywhere.

To signup call 0800 429 000

Police Credit Union app

Available for all members and on Police mobile devices.

To signup call 0800 429 000

Download for Android

Download for IOS

Features Internet App
Transfer money between accounts tick tick
Make one off payments tick tick
Set up automatic payments tick tick
See account balances and transactions tick tick
Save payees tick tick
Message us through the app tick tick


Account type Direct debit dishonour Dormant account Foreign currency
Spending account $25 $5 per month* 2%
Achiever saver $25 $5 per month* N/A
Bonus saver $25 $5 per month* N/A
Christmas Club $25 $5 per month* N/A
Future Saver $25 $5 per month* N/A 


*Accounts become dormant after 12 months of no transactions. The dormant account fee is refunded if the account is reactivated.

Fees from other banks may be on-charged: telegraphic transfer fees; dishonour fees; special answer fees; and/or cash deposit fees. Call 0800 429 000 for more information.

Open an account

If you're an existing member you can open an account by:

  • Calling us on 0800 429 000
  • Sending us a message through online or mobile banking
  • Emailing us at

Not a member? Join online.

The fine print


Christmas club

Voucher limited to one per account holder.

To qualify for a $20 New World voucher you must:

  • Open an account before close of business on Friday 26 February 2021
  • Each month, from March to October 2021, make at least one deposit* and no withdrawals

To qualify for a $10 New World voucher you must:

  • Open an account between Monday 1 March 2021 and close of business on Monday 31 May 2021
  • Each month, from when your account is opened, to October 2021, make at least one deposit* and no withdrawals

*Excludes credit interest.

Future saver

Eligible for members under 20 years old. Members over 20 must transfer to another savings account.


  • Payments are processed every 2–3 hours during the day.
  • Payments from your account are processed if you have sufficient funds in your account.
  • Payments from your account into another PCU member’s account are sent immediately.
  • Payments from another PCU member to your account are received immediately.
  • Payments from other banks will be paid into your account as soon as we receive them. Banks have different payment times so you may receive payments at different times throughout the day.
  • Incorrect payment amounts or incorrect bank account numbers can not be reversed by the Police Credit Union. You must seek reimbursement from the payee for any payment errors.
  • Scheduled payments will be processed the morning the payment is due.